Ultimate Guide to Tobacco Life Insurance

yeah, yeah, YEAH, enough already! You’ve heard about the dangers of using tobacco products and are sick of it. We are NOT here to give you warnings or try to change your mind. It’s legal. You are an adult. It’s your choice. What we are here to do: Everything in our power to make sure you get the…
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Life Insurance for E-Cigarette Smokers: Vape ‘Em If You Got ‘Em

On the surface, this may seem absurd. E-cigarettes are not tobacco, so one should not have to worry about them carrying the same health risks. There are really 2 reasons why most insurers have thus far refused to consider vaping and e-cigarettes separately.....
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Life Insurance and the Body Mass Index: How Will It Affect My Rates?

When applying for life insurance, you want to pay attention to BMI extremes the most, Underweight and Obese. Life insurance underwriting is the business of assessing risk based on the collective data of millions of people. Those that fall in the extremes are more likely to have additional health concerns. Those are just the facts and what the data says....
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Life Insurance Application Process: What To Expect

Taking those factors into account, Jim should NOT be applying with Company X that showed him the cheapest rates. He needs to be with company Z who will let him slide a bit on blood pressure, provided his weight is very healthy (it is). This company also only adds a small extra cost to account for his frequency of rock climbing....
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Understanding Life Insurance Health Ratings

The job of the underwriter is to guess how long you will live based on your health, behavior, family history, driving history, location, finances, and more. If these factors suggest you will live a long time, you may get a more favorable rating....
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Life Insurance Riders: The Ultimate Guide

A rider is a life insurance provision purchased separately from your standard policy. Most insurance riders come at an additional cost, but they can be used to customize your policy with extra benefits or coverage. Many standard policies offer little customization options aside from....
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Most Affordable Life Insurance

Think about it. What is life insurance intended for really? If you die, your beneficiaries will get any assets you have all at once. That likely won't be enough to last them forever which is why you are purchasing life insurance. To replace the income you would have produced. Since keeping premiums low and saving you money is the goal of this article, let's talk about the income protection option.....
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Life Insurance Settlement Options

A settlement is the way your life insurance policy proceeds are paid. There are many life insurance settlement options that can be confusing at first; your policy may pay out a lump-sum cash payment, life income, a fixed amount, or interest paid periodically. As a policyholder, you can usually choose the settlement method you prefer although your beneficiary may....
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Final Expense Life Insurance

Before you buy a policy, make sure you calculate how much your funeral will cot to ensure you get enough coverage to protect your family. The average funeral in 2015 costs between $8,000 and $12,000 so it may be wise to get a policy for at least $15,000 in coverage. You may also want additional coverage to help....
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How Does Life Insurance Work?

Life insurance to put it simply, is protection for those who depend upon you financially. If you die prematurely, life insurance products will provide them a sum of money to replace your lost income. You may see....
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What Is the Difference Between Term and Permanent Life Insurance?

You purchase insurance for a specific “term” which typically ranges from 10-30 years. This is pure life insurance. You are paying your money (premiums) in return for financial protection in the event of your death. That financial protection comes in....
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Life Insurance and Marijuana: How to Pay Cheap Rates

What's the big deal, it's just a little weed, right? Can I still get affordable life insurance rates if I smoke pot? Lucky for you, the answers to those 2 questions are pretty favorable these days. In this article, we'll explore everything you need to know....
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